I have had accounts at this credit union for over 12 years now. I have not been a Baltimore County, MD employee but the credit union is structured to allow relatives of employees to become members, so I used my brother as an "in". The accounts at this credit union are diverse. They have an account to match your particular needs. I do most of my banking by mail and online these days, as many other people. The online aspect of this credit union is not the most helpful I've seen, but it gets the job done in a no-nonsense way. The staff is always helpful when I call with a question regarding deposits or checks that have cleared. The monthly newsletter they send is helpful and has good information in it. When you sign up a child for an account, you even get $10 deposited to their account, free! They target the younger client to help teach fiscal responsibility and money matters. Definitely a financial institution I reccommend!